Pulse


AFFORDABILITY ASSESSMENTS TRUNARRATIVE


TruNarrative: capitalising on existing technology


Now the technology and tools are available to perform less invasive and low friction affordability assessments, Adam Doyle, Head of Gaming at TruNarrative, believes the industry needs to take advantage. Adam casts his eye over pending legislation in the Netherlands and Germany, stateside regulation and the UK


How important are affordability assessments for the prevention of problem gambling and corporate social responsibility?


Adam Doyle, Head of Gaming, TruNarrative


Adam Doyle is a specialist in identity, risk and compliance within the regulated global gaming sector. Adam has experience heading up the Gambling Division for both GBG & now TruNarrative, and also held a role as a sales director for the platform provider Bede Gaming, providing him an industry leading understanding from both sides of operator / supplier relationship.


For over a decade he has worked closely with operators, regulators and industry stakeholders to deliver best practice and ensure innovation in data and technology is built to meet regulatory requirements and industry challenges. Working at TruNarrative, his key focus is ensuring operators are able to meet identity, KYC, AML, fraud, self-exclusion and responsible gambling requirements as easy and seamlessly as possible.


P76 WIRE / PULSE / INSIGHT / REPORTS


Performing the right affordability assessment is very important as they can be vital in providing operators with insight into player play patterns and their ability to afford their bets including financial distress, CCJ’s, IVA’s, bankruptcy, and if a player sits inside or outside their overdraft.


Using affordability and other contextual information, including transactional and behavioural data points can give operators a more complete view of a player’s circumstances. Allowing operators to identify vulnerable players early, intervene and take the necessary steps to ensure they receive the help and support they need.


If done correctly, without adding unnecessary friction for players, I think affordability assessments are key to helping operators prevent problem gambling and deliver on their social responsibility obligations.


How has the industry's perception of affordability changed in recent years?


Te gaming industry has always been quick to evolve and change to keep up with new regulation and guidance. Te biggest challenge is that there is no set precedent or best practice around affordability, so if you ask different


operators, they probably all have a differing view as to what is required of them.


Affordability assessments have historically been a manual, intrusive process and time consuming for both the operator and the player. I think everyone sees the importance of these checks to protect players, but more clarification is needed from the UKGC around what checks are expected and when.


The UK Gambling Commission is undergoing a consultation on best practice around mandatory affordability assessment. Is the consultation too late?


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